Exchange Bank & Trust

Overview / Commentary
600 Commercial Street
Atchison, KS 66002

Exchange Bank & Trust is headquartered in ATCHISON and is the 27th largest bank in the state of Kansas. It is also the 1,593rd largest bank in the nation. It was established in 1856 and as of June of 2023, it had grown to 90 employees at 10 locations. Exchange Bank & Trust's money market rates are 5X the national average, and it has an A health rating.

Reviews (1)

Great Bank, Great Service

Posted by: |

We have been with Exchange Bank since 1990. We could not be happier with a bank and the service they give. The staff in the Military Accounts Department is superior. We had a check copied and used to open accounts. Linda at the bank notified us before we even had a clue anything was happening with our account. The account was closed instantly, however, they let us have access to our funds until we received all of the new cards and checks. A friend had a similar thing happen with her account. The "Big Name, Well Known" bank, closed their main account only after money and various other online drafts had been set up and the bank had been called by the customer. She was not able to access any of her funds for over three weeks. Exchange Bank gives us the Home Town service and conveniences of a large bank minus all of the charges.


Health Grade Components

FDIC Certificate #4619
Year Established1856
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD12.33%
Annual Interest Income$10.9MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$564.8MM$557.7MM
LoansQ2 2023vs Q2 2022$381.9MM$340.0MM
DepositsQ2 2023vs Q2 2022$503.3MM$495.8MM
Equity CapitalQ2 2023vs Q2 2022$52.9MM$49.3MM
Loan Loss AllowanceQ2 2023vs Q2 2022$4.9MM$4.4MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$130.00K$56.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Exchange Bank & Trust; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Exchange Bank & Trust Savings Account Rates

0.20%--True Savings
0.20%--Youth Savings
0.20%--Christmas Club

Exchange Bank & Trust Money Market Rates

2.15%*$250k*-Money Market
OTHER TIERS: 0.50% Up to $10k | 0.55% $10k - $25k | 0.80% $25k - $50k | 1.05% $50k - $100k | 1.55% $100k - $250k

Exchange Bank & Trust Checking Account Rates

0.20%--Interest Checking
0.20%--50 Plus Interest Checking

Exchange Bank & Trust CD Rates

5.00%$10k-3 Month CD
4.50%$25k-15 Month Jumbo CD
4.00%$10k-7 Month CD
4.00%$25k-18 Month Jumbo CD
3.25%$5k-15 Month CD
3.00%$1k-12 Month CD
2.50%$1k-24 Month CD
2.50%$1k-36 Month CD
2.50%$1k-48 Month CD
2.50%$1k-60 Month CD
2.25%$1k-6 Month CD
1.90%$5k-48 Month Jump CD
1.80%$5k-38 Month CD
1.75%$1k-18 Month CD
1.75%$1k-30 Month CD
1.50%$25k-14 Month CD
1.25%$5k-37 Month Jump CD
1.06%$5k-27 Month Jump CD

Exchange Bank & Trust IRA Rates

5.00%$10k-3 Month IRA
4.30%$25k-15 Month Jumbo IRA
4.00%$25k-18 Month Jumbo IRA
4.00%$10k-7 Month IRA
3.25%$5k-15 Month IRA
3.00%$1k-12 Month IRA
2.50%$1k-24 Month IRA
2.50%$1k-36 Month IRA
2.50%$1k-48 Month IRA
2.50%$1k-60 Month IRA
2.25%$1k-6 Month IRA
1.90%$5k-48 Month Jump IRA
1.80%$5k-38 Month IRA
1.75%$1k-18 Month IRA
1.75%$1k-30 Month IRA
1.50%$25k-14 Month IRA
1.25%$5k-37 Month Jump IRA
1.06%$5k-27 Month Jump IRA

Cities: Atchison, Easton, Effingham, Lansing, Leavenworth, Platte City, Rushville, Troy

Atchison Branches
Exchange National Bank & Trust Co.600 Commercial StAtchison, KS 66002
Exchange Kansas Avenue Motor Branch712 Kansas Avenue Limited Service-DrAtchison, KS 66002

Easton Branches
Easton Branch216 W RileyEaston, KS 66020

Effingham Branches
Effingham Branch423 Main StreetEffingham, KS 66023

Lansing Branches
Lansing Branch - Towne Centre Branch399 Centre DriveLansing, KS 66043

Leavenworth Branches
630 Delaware Branch630 Delaware StreetLeavenworth, KS 66048
Drive-In Branch701 Shawnee StreetLeavenworth, KS 66048

Platte City Branches
Platte City Branch2443 Nw Prairie View RoadPlatte City, MO 64079

Rushville Branches
Rushville State Bank Branch201 ValleyRushville, MO 64484

Troy Branches
Troy State Branch121 South Main StreetTroy, KS 66087

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